Arizona 529 Tax Deduction Calculator
2026 rulesEnter your contribution to see how much Arizona lets you deduct and what it saves you this year.
Your numbers
Result
Arizona tax saved
- Total contributed$5,000
- Deductible this year$4,000
- Over the cap (no deduction)$1,000
- Arizona tax saved this year$100
- Saved per $1,000 deducted$25.00
Rollovers from one plan to another don't qualify.
Arizona at a glance
- Benefit
- Arizona lets you deduct up to $2,000 per beneficiary ($4,000 joint) of contributions to AZ529 or any state's 529 plan each year.
- Plans that count
- Any state's 529 plan.
- Good to know
- Rollovers from one plan to another don't qualify.
Questions
Is there a Arizona tax deduction for 529 contributions in 2026?
Arizona lets you deduct up to $2,000 per beneficiary ($4,000 joint) of contributions to AZ529 or any state's 529 plan each year.
What can 529 money pay for without tax?
College tuition, fees, books, and room and board for students enrolled at least half time; up to $20,000 a year of K-12 tuition and expenses from 2026; apprenticeship costs; and up to $10,000 of student loan payments over a lifetime. States can treat some of these differently.
What happens to the Arizona deduction if I withdraw for something else?
A nonqualified withdrawal is taxed on its earnings, plus a 10% federal penalty, and Arizona can add back the deductions you took on the money you withdraw.